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                	<a href="index.aspx" >Home &nbsp;</a>&gt;
                    <b>EB-5 Green Card Services</b>
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                    		<h3>EB-5 Green Card Services</h3>
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                            	<li><a href="eb5services.aspx">EB-5 Green Card Overview</a></li>
                            	<li><a href="eb5benefit.aspx">Benefits to EB-5 Applicants </a></li>
                            	<li><a href="eb5prgmselect.aspx" class="current">How to Select EB-5 Projects</a></li>
                            	<li><a href="eb5gaprgm.aspx">GA EB-5 Projects</a></li>
                            	<li><a href="eb5process.aspx">EB-5 Process</a></li>
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                      <h3>Which type of Regional Center investment?</h3><br />
                           
There are three types of Regional Center investments. If you decide that the EB-5 is your visa of choice, 
the next key decision is to select a Regional Center which −
<ul><li>protects your capital</li>
<li>has a long record of success with visa applications</li>
<li>doesn't tie up your capital for any longer than necessary</li>
<li>compensates for inflation with income and prospects for capital growth</li>
</ul>

<b>1.Loan Based Investments</b><br />

A few Regional Centers now offer ‘loan’ based schemes, where your funds are lent to another organisation for local infrastructure projects. A municipality or associated development agency usually becomes responsible for repaying your capital. Should the municipality or agency default or restructure its debt, it could be a long time before your capital is repaid. Click here for a Bloomberg article on municipal debt.

American Life's loan-based investments are structured to provide security for the investor's capital and a respectable annual return.  In the event of a default, the asset can be sold.  American Life's first loan-based EB-5 investment should be available by the end of May 2011.

<br /><b>2.Equity Investments – active trading businesses</b> <br />

Equity investments are asset based and can be either property or actively trading businesses. Active trading businesses are managed directly by the company operating the Regional Center. The active trading businesses are small and are not on any recognised stock exchange. They are vulnerable to market forces such as demand and competition, so their value and prospects are hard to assess. Sadly, a few such investments have failed. Funds can be lost entirely and, if some capital is recovered, it might take a considerable time.

<br /><b>3.Equity Investments – property</b><br />

As any fund manager will testify, most investments carry risks, and that includes property. But a property without any debt − and zero debt is the key − carries almost no risk of loss. Compared to a trading activity or a loan, a property is a small piece of ‘planet earth’ that cannot be taken away. Buildings may be destroyed, but if insured, will be replaced. Values do decline in recessionary periods, but history has demonstrated that property prices soon rise again to surpass previous peaks. This has been the case in every recession throughout history. Location too affects risk. If you can choose an area where the property prices have historically grown or remained relatively stable, then risk is further reduced.
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<b>An EB-5 visa has three different forms −</b>
<ul><li>Invest $1,000,000 into a business and hire ten employees anywhere in the USA, or</li>
<li>Invest $500,000 and hire ten employees in an area where the unemployment rate is 150% of the national average or the rural population is less than 20,000, or</li>
<li>Invest $500,000 into a Government designated Regional Center and avoid direct employment.
Over 90 percent of EB-5 applicants invest in a Regional Center.</li>
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